Rockwall, TX
Rockwall wildfire risk explained
Rockwall sits at the 69th percentile nationally for wildfire risk to structures — well above the national norm for wildfire risk — per USFS's Wildfire Risk to Communities model, built from its 17,284 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Rockwall at the 68th percentile, close to its 69th-percentile risk score.
Rockwall's building exposure, zone by zone
USFS classifies 60.7% of Rockwall's buildings as Minimal exposure, the largest of the three zones here by a wide margin over 8.5% Direct and 30.8% Indirect — a landscape-level risk rather than a building-by-building one. At 17,284 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
Rockwall against the rest of the country
Inside Texas, Rockwall sits at just the 30th percentile even though it scores 69th nationally — the state's overall wildfire exposure is high enough to make this a relatively quiet corner of it. Among the 31,521 US communities USFS scores, Rockwall ranks 9,657 for wildfire risk (1 is highest) and 831 by building count (1 is largest). Within Texas alone, it ranks 1,265 of 1,795 places by risk. See the full county-by-county picture for Texas on its state page.
What this risk score means for insurance
Rockwall's high rating (69th percentile) puts it among the places where the national carrier-pullback trend is most relevant — not a guarantee of a coverage problem, but a reason to shop rather than assume.
Hardening a home in Rockwall
With 60.7% of buildings rated Minimal exposure, Rockwall gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
More on how this number was built
The methodology guide shows exactly how USFS turned 17,284 counted buildings into the percentiles shown above for Rockwall. For more on what minimal exposure implies beyond Rockwall, see the exposure-zones guide.